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Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $55,035 | $73,955-25.6% | $96,520-43.0% | $75,181-26.8% |
| Participation rate | 100.0% | 66.4%+33.6pp | 74.3%+25.7pp | 67.2%+32.8pp |
| Annual return | 11.82% | 26.72%-14.9pp | 35.72%-23.9pp | 160.69%-148.9pp |
| Employer contribution / active EE | $9,988 | $2,930+240.9% | $3,739+167.2% | $2,671+274.0% |
| Participant deferral / active EE | $1,268 | $3,659-65.4% | $4,879-74.0% | $4,126-69.3% |
| Admin fee / account holder | $2,772 | $5,217-46.9% | $6,733-58.8% | $5,650-50.9% |